It is the classic dilemma of a 24-year-old: Why pay $250 a month for something you never use? It feels like lighting money on fire.
You aren't buying healthcare; you are buying bankruptcy protection
An unexpected burst appendix surgery costs about $35,000. A terrible car accident requiring an ICU stay can easily run $150,000. You don't buy health insurance to pay for your $12 cold medicine. You buy it so that one bad afternoon doesn't drain your bank account and ruin your credit for the next 20 years.
The Cheap Solution
If you are invincible, buy a Catastrophic Plan or a Bronze HDHP plan. The monthly cost is incredibly cheap. It won't cover a basic visit to a dermatologist, but it acts as a massive shield against $100,000 disaster scenarios.